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<br /> <br /> <br />THIS ADJUSTABLE RATE RIDER is made this day of <br />, and is incorporated into and shall be deemed to amend and supplement <br />the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the <br />undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to <br />Home Federal Savings and Loan Association of Grand Island <br /> <br />(the "Lender") of the same date and covering the Property described in the Security Instrument and located <br />at:30 KUESTER LAKE <br />GRAND ISLAND, NE 68801 <br /> <br />m <br />~ <br />0:0 <br />Nm <br />o <br />0)> <br />oen <br />Z <br />~~ <br />NC <br />:s:: <br />c.nm <br />o~ <br />~~ <br /> <br />:<0, )'0 <br /> <br />ORIGINAL DEED OF TRUST DATED 7-18-03 <br />AND RECORDED 7-18-03 AS DOC #0200309217; <br />SEE BELOW FOR LEGAL DESCRIPTION <br /> <br />[Property Address] <br /> <br />THIS NOTE CONTAINS PROVISIONS AllOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WilL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br />INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 6.000 %. The Note provides for <br />changes in the interest rate and the monthly payments, as follows: <br /> <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the 1 s t day of March <br />2014 , and on that day every 12 month thereafter. Each date on which my interest rate <br />could change is called a "Change Date." <br /> <br />MUL T1$T A TE ADJUSTABLE RATE RIDER - Single Family <br /> <br />_-8..U {.l05).01 ~ <br />@ <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)' 1-7291 <br />LOT FOUR (4), HAVING A LAKE FRONT FOOTAGE OF 50 FEET AND SITUATED <br />ON THE EAST SIDE OF THE EAST PORTION OF KUESTER LAKE AND BEING ON <br />A PART OF THE EAST HALF OF THE SOUTHWEST QUARTER (E1/2 SW1/4) IN <br />SECTION THIRTEEN (13), TOWNSHIP ELEVEN (11) NORTH, RANGE NINE (9) <br />WEST OF THE 6TH P.M., HALL CONTY, NEBRASKA <br /> <br />\-:- "'. ,. ...; i:,~ r <br />, " ~ ,~ {. ~ 1;- ,I.. ,.' <br />